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Found 510 results

  1. Hi all, I have submitted a GDPR request to Cabot for an old credit card debt which I was paying of as part of a DMP I had until a couple of years ago (and stopped paying as I did ask for the CCA and cabot did not comply). Cabot provided all the information they “had”. They provided (as part of the GDPR the CCA ) however there is no mention or any confirmation that the debt was passed on to them or any correspondence made by them that they now owned my debt (i.e from the previous company, initially Egg, then “according to the notes I could find from Cabot “ idem but absolutely no mention of any communication of either purchasing the debt or correspondence made to me notifying that they were the “rightful” owner” … .not sure if the above makes sense .. I was under the impression that a Debt management company had to prove that they actually owned the “debt” and had to ensure the debtor was notified IF the debt was sold or no? Also it seems that several letters which I have received were not attached to the “GDPR” documentation (thought again they had to provide a copy of any correspondence sent?)
  2. Hi all I'm wondering if anyone can help regarding a Single Justice Procedure Notice regarding driving without insurance. I was stopped by the police for having no insurance which they had checked on their database. I have not had insurance for a while as I cannot afford it. I have done my best to drive my car very sparingly, infact have only driven a couple of times. To summarise, my vehicle was impounded and has been scrapped. I received the SJN and have plead guilty within the deadline of 21 days. I did not write anything in terms of mitigation as I feared it might be used against me. I filed my statement of means, which are very small as I work only part time (I am a student). I have a previous MS90 which I got by accident as I never received the SPN for very mild speeding but this charge is now spent. Will this affect the outcome? I am wondering what the likely size of the fine will be? And wether there will be any other consequences such as a driving ban? Thank you in advance for your help.
  3. Hi everyone my sister got a letter on the 6th of feb saying she owes £173 for a parking ticket that happened in October last year. It says a warrant has been put though from the courts but my sister hasn’t received any other letters about this. This is the first she’s heard of the parking ticket. With her being on benefits and not having the money to pay I was thinking of sending a n245 form but don’t no what court to send it too. Ill upload a copy of the letter. Any help really appreciate. Thanks Andrew E007F505-5A47-4D11-99C1-143F8339C132-converted.pdf
  4. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told them he has a new child but they say that he needs to inform them of this information. (which he wont) Also he has lied about how much he earns so that his payments are minimal. The money would be very useful as I am struggling to make ends meet and they both want to have music lessons which are very expensive. At the moment just keeping head above water. Frustrating that CSA seem to be taking so long to do anyhting about the non payment.
  5. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  6. Afternoon all, I purchased a £300 car to use for a parts car whilst restoring another car. As it happens I didn't really need anything so sold it on 3 days ago for a little under what I paid. This morning I received one of those letters from Loans2go starting it's there property and they want it back. I was a little taken back as I HPI checked the car but realised after checking report this morning that it was the cheapo option which didn't include finance. Naturally I only use the more expensive hpi for expensive cars..... I called them up and explained I wasn't aware etc, lady was very nice and kept saying I have 10 days or I could make a offer to settle. I took great delight in winding her up as I won't be paying a penny I said well it's all very well saying I have ten days however you won't be getting anything and I have also sold the car. The irony that it's now being used as a stock car as it's worthless. So anyone know what happens next? V5 was filled in on the night of sale online, I have a receipt with all buyers info and sellers info. Loan was taken out against car in 2016........ I want to know if all my items & cars are safe from sticky hands. Cheers for the help
  7. Dear Forum members, I would like to ask you if you could kindly help me draft the best POPLA appeal that I can in regards to the NTK I received from UKPC? Appeal sent as the Keeper of the Vehicle on the following grounds and asked for further information: 1. Equalities Act 2010 compliance (have sent them proof of disability for an occupant of the vehicle) 2. Parking Charge amount claim grounds 3. Asking them to give a breakdown of their actual loss. Is the charge a true reflection of damages? 4. Their status – the creditor? 5. Ownership of premises? 6. Contractual Authority (as required by BPA Ltd AOS CoP B.7) 7. Signage There was no admission on who was driving and that is stated in the appeal letter to UKPC clearly as well. UKPC Rejection of the Appeal: Their reasoning for rejection of my appeal was (verbatim): Disabled parking bays are reserved for Blue Badge holders only and that a valid disabled badge must be clearly displayed at all times. They have not addressed any other issues or points of appeal at all. I have also downloaded the photos they hold on file for my vehicle and they are all silly and also show how inadequate their signs are as they are absolutely unreadable. I have included in this document (further down on following pages) the following: • Copy of the photos UKPC has on their online system for the vehicle at the location • Copy of the photos I have taken subsequently visiting the site to check for signage • UKPC Notice to Keeper copy (personal info scribbled out) • My letter of appeal to UKPC as the owner of the vehicle (personal info scribbled out) • Copy of the UKPC Rejection of Appeal letter to me (personal info scribbled out) Could you please assist me with making the best possible POPLA appeal for this case? Thank you ALL for sharing your time and knowledge so selflessly!!! Below is the summary as per your guide and I have also attached full PDF document with photos and copies of letters etc (redacted for personal details): please answer the following questions. 1 Date of the infringement: 18/11/2018 2 Date on the NTK [this must have been received within 14 days from the 'offence' date]: 19/12/2018 3 Date received: 24/12/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] YES 5 Is there any photographic evidence of the event? YES (copy in the attached PDF) 6 Have you appealed? {y/n?] post up your appeal] YES (details in the attached PDF) Have you had a response? [Y/N?] post it up: YES (details in the attached PDF) 7 Who is the parking company?: UKPC (ukparkingcontrol.com) 8. Where exactly [carpark name and town]: Great Western Industrial Estate, Southall UB2 4SD PDF case copies for the Forum to ask for POPLA appeal help.pdf
  8. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would be greatly appreciated. Many Thanks
  9. Hi, I wonder if you could give me some advice about a PCN I have received today. Having seen one of your previous responses I have answered the same questions in order to assist below: For PCN's received through the post [ANPR camera capture] please answer the following questions. 1 Date of the infringement 30/12/2018 @ 13:59 (Letter calls this contravention date) 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Issue Date 15/1/2019 (it says 'posted' ? in brackets at the side of issue date) 3 Date received 17/1/2018 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [y/n?] No I cannot see this on the PCN 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? {y/n?] post up your appeal] NO I have not appealed at this stage. Have you had a response? [Y/N?] post it up 7 Who is the parking company? Vehicle Control Services, VCS. (I think the address is 2 Europa Court, Sheffield Business Park, Sheffield S9 1XE 8. Where exactly [carpark name and town] Berkeley Centre, Sheffield, S11 8PN For either option, does it say which appeals body they operate under. It says on this PCN that any appeals would be handled by the IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE- BPA If you have received any other correspondence, please mention it here I have not received any other information but the letter does say that if payment is recieved within 14 days then I could pay £60 instead of th £100 they intend to charge. The letter also says that if I want to appeal I must do so within 14 days. I am not sure whether or not I have any sort of recourse here, it would be great if you could please give me some advice. Many Thanks, John.
  10. Good evening, I have received a letter from MET Parking Services starting that a fine is now overdue, the problem is, no initial letter was sent. They are demanding payment within 14 days, what is the best way forward. I go to Stansted a lot and I'm not 100% sure the charge is genuine as it was from a few months ago. Date of incident is the first week of November and this is the first letter I have received regarding this (today).
  11. I think the general jist is for me to own up to a speeding offence. I do not remeber this incident though, as in the location and why I would have been there.. 'I' was apparently doign 39 in a 40. I have never had a speeding ticket or one of these in the door. I did get a DD10 (drink and drive) and that was 4 years and 7 months ago so nearly up. Clean license. Should I just sign it and own up or challenge it, I am meant to be leaving the country end of January.. What are my options? Thanks.
  12. Hi all, can anyone recommend who I should structure a PCN appeal given this situation? One half of the road (where I usually park) had its resident parking suspended temporarily for works, so on Friday I parked on the other end of the road. Having returned to my car for the first time today they have re-opened the usual half and suspended the half I was parked in. Because I hadn't been to my car in 4.5 days I had no idea they had moved the parking suspension. My partner and I are absolutely certain there were no suspension signs where they are now currently - we made a point of looking to check both halves weren't suspended. All they have done is taken down the suspension signs on Friday from the first half, sellotaped a new piece of paper on them and stuck them to posts on the other half of the road (I have a photo to prove it). We live in East London, so we have to park 250m away from the apartment to get a residents bay. We don't check on the car and the availability of the bays daily - that would be nuts. 1. How can I structure an appeal to say that I was parked there before the parking suspension signs were even put up? 2. How much notice does the council have to give its residents before suspending parking? Thanks in advance for any advice and support!
  13. Government welcomes landmark law which will improve the safety of tenants READ MORE HERE: https://www.gov.uk/government/news/government-welcomes-landmark-law-which-will-improve-the-safety-of-tenants Homes (Fitness for Human Habitation) Act 2018: http://www.legislation.gov.uk/ukpga/2018/34/contents/enacted/data.htm
  14. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA Group (UK) Limited, the debt purchaser or any predecessor, © Details of all contractual interest added by whom and on what date, (d) List of ALL Payments made toward the Agreement. The PRA group letter on the 12th said, that in response to my query (PAP form) please find enclosed copy of statement of account from MBNA and a copy of the credit agreement (was an online application 2008) plus statements from the MBNA credit card (virgin). The letter goes on to say that they will put the account on hold for 30 days until 12th December to allow sufficient time to receive the letter and contact them. Today I received the county court claim form. I don't know what to do now? Please advise. Should I try to a negotiate an offer with PRA or will I have to pay in full somehow! I don't want a CCJ registered.
  15. Hi guys, good morning I have a lease car and got a parking ticket which I promptly appealed, I never heard anything back from the council. It was only until the lease company send me an invoice for £295 that i realised something is wrong and i took this up with the council directly to find out why they never send me the rejection notice. The lease company have paid the council. They replied saying that rejection notice was sent back to them as "returned mail", this is impossible as I get all types of letters come through and even various from the same council. Aside to the obvious of me arguing that I never received the letter, what grounds of arguments do I have? I suspect the council will say they will not refund just on that account. Your advice is appreciated, Many thanks Mehdi
  16. Hi, I have received a letter from TFL for failing to produce a valid ticket, pass or photocard for my journey the London Underground. have asked for my side of the story and have been advised that legal proceedings may be taken against me. What happened is that I was on the tube then an inspector came on and I gave him the Oyster card that I had used for the journey. He scanned it and asked to see the railcard attached so I gave him my student railcard. He then told me that there is a greater discount on the card and asked if I have another railcard. I said that I don't. The inspector revealed that it was a privilege discount which is 75% and that I should have a privilege card to be entitled to it. he then cautioned me and started questioning me and I explained that I bought the blue Oyster card and then asked a staff member to attach my 16-25 student railcard to it. The inspector withdrew the oyster but returned my student railcard. I was told that even though it may have been a staff mistake where the wrong discount was attached, TFL can still take action against me for using a discount that I wasn't eligible for and benefitting from it. Please advise me on how to respond to their letter. Should I argue that it is not my fault that the staff made a mistake and I am not responsible to correct it. It was the staff's responsibility to check the right discount was given and there was no reason for me to assume they could not properly perform their job. Also, I could have only found out that the wrong discount was given after using the oyster and then calculating the fare I was charged, so travelling without a valid photocard was unavoidable. I didn't know that privilege discount existed, so even if I noticed that I had a greater discount, I would have still not known what is was for me to go and report it. I would appreciate any help on how to respond to this to get the best outcome possible.
  17. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue –. 30 October 2018 Particulars of Claim What is the claim for – 1.By an agreement between HSBC Bank PLC & the Defendant on or around 15/09/2014 ("the Agreement") HSBC Bank PLC agreed to loan the Defendant monies. 2.The Defendant did not pay the instalments as they fell due & the Agreement was terminated. 3.The Agreement was assigned to the Claimant. .THE CLAIMANT THEREFORE CLAIMS 1. 7042.65 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) I did receive a notice of claim. It said that there is "no acceptable payment arrangement in place" with Cabot. I didn't not know anything about Cabot. I have checked my bank account and the direct debits have been going out monthly to HSBC which was agreed earlier with the bank. What is the total value of the claim? £7042.65 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? the A/c number is a Bank Account but they say Loan? - dx edit When did you enter into the original agreement before or after April 2007 ? The form says 15/09/2014 but it can't be because I didn't obtain any credit after 2013. Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I've just checked and it is showing as taken in October 2010 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. The claim has been assigned. It is the Debt purchaser who has issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't remember receiving this information. Did you receive a Default Notice from the original creditor? Yes I did Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I can't remember. Why did you cease payments I didn't cease payments. I agreed reduced payments with HSBC. What was the date of your last payment November 2018 - the reduced amount agreed with HSBC Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes I did communicate my financial problems and offered an amount which they accepted. Unfortunately I cannot access the debt management plan link here My husband has booked a holiday for us and we leave on Monday. We will be staying with friends for 2 months. Pretty poor timing. I hope I can get as much of this sorted out as possible before I leave. Thanks you for any help you can offer me. I know this might sound strange as I am in financial difficulty personally but I never thought it was fair to burden him with my debt as it was incurred way before I even knew him. I obviously don't want to get a CCJ. I am happy to keep paying the agreed amount. Because the date of the Agreement in the Claim Form seemed wrong I have acknowledged the form and selected that I want to dispute the full amount. I didn't think to check my credit record at the time. It was so stressful just to get the Form. I did this yesterday 13 November 2018. So I believe I have at least 14 more days to respond. Please can you let me know what I should do now? Especially seeing as I won't be here after 19 November. Thank you so very much.
  18. Hello everyone, I care for my mother who has dementia. She has a few things, mostly relating to her health and divorce that I've been trying to sort out. I had advised the local council that I was struggling to cope and that my step dad, her ex husband had suddenly cut off all her bills and not paid them. My social worker said that it was finance related and that she couldn't help. The council tax bill was addressed for number 46- not sure why they had suddenly got our address wrong. when I first heard that the council tax bill hadn't been paid, it'd been a couple of months already, as the letter had gone to my neighbour. I explained this to them on the phone and they sent me some forms to fill in on behalf of my mum, but several other things have happened, including waiting for evidence to come through etc. The person I spoke to was sure my mum was entitled not to pay because of her condition, but I'm not even sure what category she fell into. I suffer with depression and it's a lot of pressure to deal with when caring for someone. She's recently had a massive decline in her condition but it seems like no one cares or wants to help. I've now received a magistrates court summons for an amount of £1300 to be paid upfront From the letter, they're not interested in the ins and outs and just want payment. Please can you advise. I will of course speak to them, but they're not open until Monday. Thank you.
  19. After reading a lot of threads i want to defend this. I've already done the following. pop up on the MCOL website detailed on the claim form. . register as an individual note the long gateway number given then log in . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked. click thru to the end confirm and exit MCOL. . get a CPR 3114 request running to the solicitors type your name ONLY no need to sign anything. (will be posted to them on monday) Other details: Name of the Claimant ? - Euro parking services limited claimants Solicitors: Gladstone Solicitors Limited Date of issue – 9th Nov 2018 What is the claim for – (to note there is no registration on the letter either) The driver of the vehicle registration (the 'Vehicle') incurred the parking charge(s) on 26/08/2017 for breaching the terms of parking on the land at Lidl & travelodge The Defendant was driving the Vehicle and/or is the Keeper of the Vehicle. AND THE CLAIMANT CLAIMS £160 for Parking Charges / Damages and indemnity costs if applicable, together with interest of £14.25 pursuant to S69 of the County Courts Act 1984 at 8% pa, continuing to Judgement at £0.04 per day. What is the value of the claim? - £174.25 amount claimed, court fee £25.00, legal rep costs £50.00 Total amount £249.25 Has the claim been issued by the Private parking Company or was the PCN assigned and it is the Debt purchaser who has issued the claim ? Euro parking services Were you aware the account had been assigned – did you receive a Notice of Assignment? - Not sure what this is? Other things to note: - There is no pay and display at the car park. There is signage which states customer have "x" amount of time to park as a customer. (Going to check the time on the signage and take photo's) - I have receipt of the driver's purchase at the store - Dated 26/08/2017 with a time of 13:59 - The two photo's in the notice to keeper letter both showing the vehicle moving dated 26/08/2017 and time stamped 14:14 - I no longer own the vehicle - I tried contacting lidl but they basically told me to take it up with euro parking services. What's the best line of defence to take? -Check with the council whether they even have the planning permission? -Check the so called "contract" on the signage and use the receipt to counter the "breach"? -Provide the evidence that car was not parked as per the photos? Thanks in advance
  20. Hi, My wife attended a company meeting at the Grand Harbour Hotel, Southampton back in May of this year. Her company booked a package that included complimentary parking and a member of the hotel staff was tasked with collecting VRN's from the attendees. Unfortunately, my wife (and another lady) were somehow missed out and, as a result, she received a PCN from Parkingeye. We have appealed to Parkingeye and through POPLA, but to no avail. We have also ignored their 'gesture of goodwill' offer for us to pay £60 instead of £100. The hotel has stated, by emails on two separate occasions, that the PCN has been cancelled. However, the emails are from an intermediary member of the hotel staff and not the person who has, apparently, contacted Parkingeye. So we do not have copies of the communication to Parkingeye, or their response. We also have a copy of the hotel function sheet for that event which clearly states free parking. We received a 'Letter Before County Court Claim' from Parkingeye dated 31 October 2018, which we have responded to (in my wife's name but with my assistance). We acknowledged receipt of their letter and stated that we dispute the claim, re-stating our reasons why. My wife is due to attend another event at the same hotel next week and we are hoping that, with her being there in person, she stands a better chance of getting the information we need from the hotel concerning their PCN cancellation request. Apologies for tagging this on to another post earlier today I understand the need to start a new thread now. Any advice and guidance would be very much appreciated.
  21. Hi there. My husband is trying to claim ppi from Littlewoods/shop direct. He has received a letter from then saying he did have ppi with cover plus. Start date was in 1994. It was fully paid. The thing is, they have enclosed a claim form from the FOS. Why would they do this? Many thanks
  22. This one is mysterious: friend of mine has a vehicle service and MOT garage business and has received a letter through the post from the Police entitled INTENTION TO PROSECUTE. The NIP (if that’s what it is) states the offence as driving a mechanically propelled vehicle without due care and attention on the public road and it lists a vehicle that was brought into the garage but they did not work on. It is addressed to the garage business and not to an individual; it says to identify the driver or any other information In short the car was brought in and there’s a note in the garage log that says ‘vehicle details and EML’ which means Engine Management Light. No invoice was raised for the vehicle and no work was carried out, it’s only a small garage and neither of the 2 mechanics drove the vehicle. One of them remembers the person bringing it in, the mechanic had a quick look and said it needed further diagnostics and gave the customer a card and the hourly rate, the Customer then left and never came back. How do they respond to this? They can’t identify the driver as no one drove the vehicle, also a notice of this kind cannot be via a camera so surely the driver was pulled over at the time? There’s no photo evidence in the letter. I reckon the car driver was pulled over by Plod, then went to the nearest garage to log a visit so he could say it wasn’t him driving.
  23. Hi All, I'm new to this forum but hope someone can help me out? I received a PCN through post yesterday from PCP enforcement agency (trading name of parkshield collection Ltd) Date of event (doesn't say offence)-30/08/2018 location - service/estate roads off anchor road,harbourside,Bristol,bs1 During period from: 22:20:55 to time of notice issue at:22:40:18 reason for issue- no valid permit Now the only problem with this notice is that I've never been to Bristol and the vehicle in question has been SORN off road for 2 years and is parked at my parents house except when it has MOT or my dad uses it for work (trade plates are then used) I have been on the agency's website to appeal but can't as I don't have notice issued obviously and there's no sign of any photographic evidence either. Not sure what to do next,write an appeal which I don't think is fair seeing as it's definitely not my fault. Any help would be much appreciated. Thank you.
  24. Good Afternoon, I sent a SAR to Lantern (Formally Motormile) on the 28/09/2018 and I have today received the SAR pack back. I'm looking for some advice on what to do next as I feel all these accounts could be statute barred. I would like to give an overview of each account and what the SAR contains to see if anyone can offer some advice on what my next step should be. Account 1 Value £1170 Account Start Date- 15.06.2012 Default Date- 29.06.2012 Payments made/acknowledged - NO Contains CCA - YES Notice of Assignment- NO Account 2 Value £200 Account Start Date- 30.11.2011 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA - YES Notice of Assignment- NO Chase Letters - 2 Account 3 Value £270.10 Account Start Date- 21.06.2012 Default Date- Unknown Payments made/acknowledged - NO Contains; CCA – YES (Not signed by original creditor) Notice of Assignment- NO Chase Letters - 5 Account 4 Value £250.00 Account Start Date- 02.09.2011 Default Date- 07.12.2011 Payments made/acknowledged - NO Contains; CCA – NO Notice of Assignment- NO Chase Letters – NO Statement of Account - YES Other than 2011/2012 I’ve had no other issues and everything has now dropped off my credit files, I’d just like to put this to bed. I would be grateful of any help you may be able to give. Thanks
  25. Hi all. Not been on here for quite a while but I am really stumped with this. Between 1995 and 2000 we had 4 loans from Welcome 3 paid off but one we defaulted on because of all the force tactics and extortionate charges for phone calls and letters I just stopped paying, I know it was wrong but thought " sod them they have had enough from me " I did make a successful claim for PPI and got paid out, great i thought. Just received a letter from them today stating irrecords show that I am due a further refund as the original offer did not fully put me back in the position I would have been in if I had never bought PPI in the first place. I have moved recently but it states " we have previously written to you regarding this with a additional offer of compensation which still remains outstanding". Due to the time that has passed we have recalculated our offer to include additional compensatory interest of 8% per annum and I have enclosed a revised acceptance form for you to sign and return to us. Our additional offer of compensation is ££££££££. It states. " Our offer of redress will expire six month from the date of the letter, once signed and dated payment will be made within 15 working days." They are requesting copied proof of identity, bit suspicious of this as it's from WF and could it be a ploy or [problem] for me to recognise the debt I still owe. Has anyone else had this.
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